HOLY ROSARY CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: HOLY ROSARY CREDIT UNION (EIN 02-0272024)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-08-04
IRS object ID: 201132169349300908
Schema version: 2010v3.2
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-08-04T11:30:03-07:00	Timestamp
Tax Period End Date	2010-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ROBERT ANDERSON & COMPANY PC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	138 DODGE ST	AddressLine1
City	BEVERLY	City
State	MA	State
ZIP Code	019151866	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2010-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	020272024	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	HOLY ROSARY REGIONAL CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	HOLY	NameControl
Phone	6033326840	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	133 BROCK STREET	AddressLine1
City	ROCHESTER	City
State	NH	State
ZIP Code	03867	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	BRIAN THERRIEN	Name
Title	CFO	Title
Date Signed	2011-08-04	DateSigned

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Gross Receipts	9044694	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
All Affiliates Included	false	AllAffiliatesIncluded
Organization501c	X	Organization501c
Web Site	HRCU.ORG	WebSite
Activity Or Mission Description	CREDIT UNION - MEMBER THRIFT	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	76	TotalNbrEmployees
Total Nbr Volunteers	9	TotalNbrVolunteers
Total Gross UBI	34247	TotalGrossUBI
Net Unrelated Business Txbl Income	-25968	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	5757269	ProgramServiceRevenuePriorYear
Program Service Revenue CY	5918989	ProgramServiceRevenueCY
Investment Income Prior Year	1114426	InvestmentIncomePriorYear
Investment Income Current Year	930853	InvestmentIncomeCurrentYear
Other Revenue Prior Year	2637867	OtherRevenuePriorYear
Other Revenue Current Year	2079852	OtherRevenueCurrentYear
Total Revenue Prior Year	9509562	TotalRevenuePriorYear
Total Revenue Current Year	8929694	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	2837310	SalariesEtcPriorYear
Salaries Etc Current Year	3002056	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	6496909	OtherExpensePriorYear
Other Expenses Current Year	4980940	OtherExpensesCurrentYear
Total Expenses Prior Year	9334219	TotalExpensesPriorYear
Total Expenses Current Year	7982996	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	175343	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	946698	RevenuesLessExpensesCY
Total Assets BOY	147090216	TotalAssetsBOY
Total Assets EOY	162995633	TotalAssetsEOY
Total Liabilities BOY	134847783	TotalLiabilitiesBOY
Total Liabilities EOY	149725097	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	12242433	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	13270536	NetAssetsOrFundBalancesEOY
Mission Description	CREDIT UNION - MEMBER THRIFT	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	1490180	Expense
Description	MAINTENANCE OF MEMBERS' SHARE AND DEPOSIT ACCOUNTS. NUMBER OF ACCOUNTS IS 33,363.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Revenue	5918989	Revenue
Description	MAINTENANCE OF MEMBERS' LOAN ACCOUNTS. NUMBER OF ACCOUNTS IS 7,600.	Description

Field	Value	IRS element (for citing)
Total Program Service Expense	1490180	TotalProgramServiceExpense
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Lobbying Activities	false	LobbyingActivities
Subject To Proxy Tax	false	SubjectToProxyTax
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	true	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	true	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	false	ReportFin48Footnote
Independent Audit Financial Stmt	false	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	false	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	false	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	true	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Invest Tax Exempt Bonds	false	InvestTaxExemptBonds
Escrow Account	false	EscrowAccount
On Behalf Of Issuer	false	OnBehalfOfIssuer
Excess Benefit Transaction	false	ExcessBenefitTransaction
Prior Excess Benefit Transaction	false	PriorExcessBenefitTransaction
Loan To Officer Or DQP	true	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	false	DisregardedEntity
Related Entity	false	RelatedEntity
Related Org Controlled Entity	false	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Transfers To Exempt Non Chrtbl Org	false	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	6096	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	76	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	true	UnrelatedBusinessIncome
Form990-T Filed	true	Form990-TFiled
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Form8886 T Filed	false	Form8886TFiled
Non Deductible Contributions	false	NonDeductibleContributions
Non Deductible Disclosure	false	NonDeductibleDisclosure
Excess Business Holdings	false	ExcessBusinessHoldings
Taxable Distributions	false	TaxableDistributions
Distribution To Donor	false	DistributionToDonor
Filed Lieu1041	false	FiledLieu1041
Licensed More Than One State	false	LicensedMoreThanOneState
Indoor Tanning Services	false	IndoorTanningServices
Form720 Filed	false	Form720Filed
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	9	NbrVotingGoverningBodyMembers
Number Independent Voting Members	9	NumberIndependentVotingMembers
Family Or Business Relationship	false	FamilyOrBusinessRelationship
Delegation Of Management Duties	false	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	true	MembersOrStockholders
Election Of Board Members	true	ElectionOfBoardMembers
Decisions Subject To Approval	false	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	true	LocalChapters
Policies Reference Chapters	true	PoliciesReferenceChapters
Form990 Provided To Governing Body	true	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Written Policy Or Procedure	false	WrittenPolicyOrProcedure
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	BRIAN THERRIEN	NamePerson
Telephone Number	6033326840	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	133 BROCK STREET	AddressLine1
City	ROCHESTER	City
State	NH	State
ZIP Code	03867	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (21 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	OfficerOfficer	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Key EmployeeKeyEmployee
SUZANNE WILKINS
VP LENDING	40.00	X	74715	0	11462
ROSEMARY SHIELDS
VP BR. ADMIN	40.00	X	68731	0	10255
RONALD VACHON
Vice Chairman	2.00	X	0	0	0	X
ROBERT LANGELIER
SUPERVISORY COM	1.00		0	0	0
RICHARD FALARDEAU
Director	2.00		0	0	0	X
RACHEL GILMAN
Treasurer	2.00	X	0	0	0	X
PAUL TURNER
Director	2.00		0	0	0	X
PAUL AUGER
Director	2.00		0	0	0	X
NANCY GILBERT
Secretary	2.00	X	0	0	0	X
LYNN WILLIAMS
Director	2.00		0	0	0	X
KATHLEEN SIMONEAU
SUPERVISORY COM	1.00		0	0	0
JANE GETTENS
SR VP OPERATION	40.00	X	90272	0	13586
JAMES BROCK
Director	2.00		0	0	0	X
DONNA BERUBE
VP TECHNOLOGY	40.00	X	70031	0	4684
DONA DOYON
SUPERVISORY COM	1.00		0	0	0
DANIEL CONNELLY
SUPERVISORY COM	1.00		0	0	0
DANA FLANDERS
Chairman	2.00	X	0	0	0	X
CONSTANCE HAMANN
SUPERVISORY COM	1.00		0	0	0
CHRISTINE PATROWICZ
VP OF HR	40.00	X	65500	0	10303
BRIAN THERRIEN
CFO	40.00	X	73651	0	21256
BRIAN F HUGHES
President/CEO	40.00	X	151509	0	16183		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	594409	TotalReportableCompFromOrg
Total Other Compensation	87729	TotalOtherCompensation
Number Individuals GT100 K	1	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	true	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
FISERV EFT
255 FISERV DRIVE	BROOKFIELD	WI	53045	ATM/DEBIT CARDS	180873
FISERV
455 SOUTH GULPH ROAD SUITE 201	KING OF PRUSSIA	PA	19406	DATA PROCESSING	217635
CUNA MUTUAL GROUP
5910 MINERAL POINT ROAD	MADISON	WI	53705	INSURANCE	132752
BELOIN CONSTRUCTION
132 ROCHESTER HILL ROAD	ROCHESTER	NH	03867	CONTRACTOR	1162598
ANTHEM BLUE CROSS BLUE SHIELD
3000 GOFFS FALLS ROAD	MANCHESTER	NH	03111	MEDICAL INSURANCE	328680

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	5	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue (5 entries)

DescriptionDescription	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
INTEREST-CONSUMER LOANS	1444495	1444495
INTEREST REAL ESTATE LOAN	3590448	3590448
INTEREST CREDIT CARDS	581900	581900
INTEREST - BUSINESS LOANS	294258	294258
INTEREST - CONSTRUCTION	7888	7888

Field	Value	IRS element (for citing)
Total Program Service Revenue	5918989	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	931662	TotalRevenueColumn
Related Or Exempt Function Income	931662	RelatedOrExemptFunctionIncome

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	114191	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	115000	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	-809	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-809	TotalRevenueColumn
Related Or Exempt Function Income	-809	RelatedOrExemptFunctionIncome

Net Income From Fundraising Events NetIncomeFromFundraisingEvents

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income From Gaming NetIncomeFromGaming

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Net Income Or Loss NetIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn

Other Revenue Misc OtherRevenueMisc (2 entries)

DescriptionDescription	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
OTHER FEES AND INCOME	2045605	2045605
NON MEMBER ATM FEES	34247		34247

Field	Value	IRS element (for citing)
Total Other Revenue	2079852	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	8929694	TotalRevenueColumn
Related Or Exempt Function Income	8895447	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	34247	UnrelatedBusinessRevenue

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	682138	Total
Management And General	682138	ManagementAndGeneral

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	1807167	Total
Management And General	1807167	ManagementAndGeneral

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	56210	Total
Management And General	56210	ManagementAndGeneral

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	264946	Total
Management And General	264946	ManagementAndGeneral

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	191595	Total
Management And General	191595	ManagementAndGeneral

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	37204	Total
Management And General	37204	ManagementAndGeneral

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	39972	Total
Management And General	39972	ManagementAndGeneral

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	227246	Total
Management And General	227246	ManagementAndGeneral

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	281374	Total
Management And General	281374	ManagementAndGeneral

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	201152	Total
Management And General	201152	ManagementAndGeneral

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	281386	Total
Management And General	281386	ManagementAndGeneral

Travel Travel

Field	Value	IRS element (for citing)
Total	101985	Total
Management And General	101985	ManagementAndGeneral

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	0	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	1490343	Total
Program Services	1490180	ProgramServices
Management And General	163	ManagementAndGeneral

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	260461	Total
Management And General	260461	ManagementAndGeneral

Insurance Insurance

Field	Value	IRS element (for citing)
Total	246764	Total
Management And General	246764	ManagementAndGeneral

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal	Management And GeneralManagementAndGeneral
PROVISION LOAN LOSS	408000	408000
OUTSIDE SERVICES	176930	176930
NCUA STABILIZATION EXPENSE	181932	181932
LOAN SERVICING	473791	473791
DEBIT CARD	301696	301696

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	270704	Total
Management And General	270704	ManagementAndGeneral

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	7982996	Total
Program Services	1490180	ProgramServices
Management And General	6492816	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1773246	BOY
EOY	1857321	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	46986945	BOY
EOY	39817853	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
EOY	0	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
BOY	935212	BOY
EOY	1261869	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	91983135	BOY
EOY	100904590	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	178745	BOY
EOY	313520	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	8009256	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	3915001	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	2834128	BOY
EOY	4094255	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	376619	BOY
EOY	12496401	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
EOY	0	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
EOY	0	EOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
EOY	0	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	2022186	BOY
EOY	2249824	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	147090216	BOY
EOY	162995633	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	242467	BOY
EOY	185396	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	182660	BOY
EOY	209904	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	134422656	BOY
EOY	149329797	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	134847783	BOY
EOY	149725097	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	12242433	BOY
EOY	13270536	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	12242433	BOY
EOY	13270536	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	147090216	BOY
EOY	162995633	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	946698	ReconcilationRevenueExpenses
Reconcilation Other Changes	81405	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	false	FSAudited
Audit Committee	false	AuditCommittee
Federal Grant Audit Required	false	FederalGrantAuditRequired
Federal Grant Audit Performed	false	FederalGrantAuditPerformed

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	false	AgentTrusteeEtc
Included On FS	true	IncludedOnFS

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	672330	OtherCostOrOtherBasis
Book Value	672330	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2999968	OtherCostOrOtherBasis
Depreciation	977742	Depreciation
Book Value	2022226	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	372228	OtherCostOrOtherBasis
Depreciation	359804	Depreciation
Book Value	12424	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	3964730	OtherCostOrOtherBasis
Depreciation	2577455	Depreciation
Book Value	1387275	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	4094255	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	SHARES AND DEPOSITS	Description
Amount	$149,329,797	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	149329797	TotalOfAmounts

Form990 Schedule D Part XIV Form990ScheduleDPartXIV

Field	Value	IRS element (for citing)
Identifier	Part XI, Line 8	Identifier
Return Reference	Part XI, Line 8: Other Changes in Net Assets or Fund Balances	ReturnReference
Explanation	CHANGE IN MARKET VALUE DUE TO FAS115 $81405 CHANGE IN FMV DUE TO SFAS 115 $ -0	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Severance Payment	false	SeverancePayment
Supplemental Nonqual Retire Plan	false	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	false	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII

Field	Value	IRS element (for citing)
Name Person	BRIAN F HUGHES	NamePerson
Base Compensation Filing Org	144006	BaseCompensationFilingOrg
Bonus Filing Org	7503	BonusFilingOrg
Deferred Comp Filing Org	8640	DeferredCompFilingOrg
Nontaxable Benefits Filing Org	7543	NontaxableBenefitsFilingOrg
Total Compensation Filing Org	167692	TotalCompensationFilingOrg

Schedule L IRS990ScheduleL

Loan Table LoanTable (19 entries)

Purpose Of LoanPurposeOfLoan	Loan From OrganizationLoanFromOrganization	Balance DueBalanceDue	DefaultDefault	Approved By BoardApprovedByBoard	Written AgreementWrittenAgreement	Original PrincipalOriginalPrincipalAmount
ROBERT LANGELIER
LOANS	X	10	false	true	true
CONSTANCE HAMANN
LOANS	X	1037	false	true	true
DONA DOYON
LOANS	X	184982	false	true	true	$243,949
DANIEL CONNELLY SR
LOANS	X	2730	false	true	true
LYNN WILLIAMS
LOANS	X	74916	false	true	true	$83,965
RICHARD FALARDEAU
LOAN	X	113516	false	true	true	$123,000
PAUL TURNER
LOANS	X	86229	false	true	true	$105,965
JIM BROCK
LOANS	X	293892	false	true	true	$310,000
PAUL AUGER
LOANS	X	87369	false	true	true	$172,000
NANCY GILBERT
LOAN	X	1945	false	true	true
RACHEL GILMAN
LOAN	X	647	false	true	true
DANA FLANDERS
LOANS	X	70011	false	true	true
CHRISTINE PATROWICZ
LOANS	X	39363	false	true	true	$72,065
DONNA BERUBE
LOANS	X	5333	false	true	true
ROSEMARY SHIELDS
LOAN	X	14941	false	true	true	$25,035
SUZANNE WILKINS
LOAN	X	6023	false	true	true
BRIAN J THERRIEN
LOAN	X	3623	false	true	true	$22,354
JANE GETTENS
LOANS	X	123116	false	true	true	$140,000
BRIAN F HUGHES
LOANS	X	152186	false	true	true	$172,163

Field	Value	IRS element (for citing)
Total Balance Due	1261869	TotalBalanceDue

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (5 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990, Part VI, Line 19	Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	A FINANCIAL STATEMENT SUMMARY IS POSTED IN THE VESTIBULE AREA AT ALL BRANCHES. OTHER INFORMATION IS AVAILABLE UPON REQUEST.
Form 990, Part VI, Line 15b	Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees	HRCU PARTICIPATES IN THE CREDIT UNION EXECUTIVE SOCIETY AND THE NH CREDIT UNION LEAGUE SALARY SURVEYS. THE PRESIDENT & CEO IS REVIEWED BY THE BOARD OF DIRECTORS AND SENIOR MANAGEMENT IS REVIEWED BY THE PRESIDENT.
Form 990, Part VI, Line 12c	Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts	HUMAN RESOURCES IS RESPONSIBLE FOR EMPLOYEE EDUCATION AND MONITORS COMPLIANCE.
Form 990, Part VI, Line 11	Form 990, Part VI, Line 11: Form 990 Review Process	MANAGEMENT WILL PRESENT THE COMPLETED FORM 990 TO THE BOARD FOR REVIEW BEFORE FILING. UPON RECEIPT FROM AUDIT FIRM, CFO REVIEWS 990/990T FOR DISCREPANCIES AND NOTIFIES AUDIT FIRM IF CHANGES ARE NEEDED. THE FORMS ARE THEN FORWARDED TO THE PRESIDENT & CEO FOR FINAL REVIEW. A COPY IS PRESENTED AT THE NEXT BOARD MEETING FOR THEIR REVIEW.
Form 990, Part VI, Line 6	Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.